Part 1: The Core Deposit Study – a technically and analytically robust examination of your deposit base that combines quantitative analysis with experience-based qualitative analysis and consultation by our team of experts. DCG mines your historical deposit data, examines past deposit behaviors and helps you develop, understand and support your institution-specific assumptions for decay rates, pricing betas, core/non-core and average lives – to incorporate into all of your risk models.

Our approach enables us to make the deposit study come alive, creating a clear picture of your institution’s deposit history and likely expected behavior patterns in a manner that management can understand and explain. Our report is robust, yet importantly transparent. It also readily prepares your team for the next regulatory exam.

Deposits360° provides an easy-to-understand dashboard and custom reporting to facilitate sharing information with key team members, ALCO and board. It can also be leveraged for interest rate risk management, liquidity risk management and stress testing.

DCG believes that when approached from a more meaningful and robust perspective, deposit studies should and will be viewed as an investment that provides a financial return. That’s why we developed Deposits360°, a 2-in-1 deposit solution that redefines the meaning of “deposit study.”